Largest lenders in Miller County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 101 | 22 | 39.6% | 8.96% |
| 2 | Red River Employees Federal Credit Union | C | 65 | 51 | 15.4% | — |
| 3 | Triad Financial Services | D | 65 | 19 | 40.0% | 8.94% |
| 4 | Rocket Mortgage | C | 61 | 40 | 26.2% | 6.99% |
| 5 | Vanderbilt Mortgage and Finance | F | 57 | 9 | 36.8% | 9.99% |
| 6 | Fairway Independent Mortgage | B | 50 | 35 | 2.0% | 6.63% |
| 7 | United Shore Financial Services | B | 39 | 29 | 2.6% | 6.50% |
| 8 | Regions Bank | C | 36 | 10 | 52.8% | 5.87% |
| 9 | Cadence Bank | B | 34 | 21 | 26.5% | 7.49% |
| 10 | Mortgage Research Center | C | 32 | 10 | 18.8% | 6.44% |
| 11 | Guild Mortgage | A | 31 | 22 | 0.0% | 6.44% |
| 12 | Commercial National Bank of Texarkana | – | 30 | 21 | 13.3% | — |
| 13 | Mortgage Financial Services | B | 30 | 27 | 0.0% | 6.63% |
| 14 | Highlands Residential Mortgage | B | 27 | 24 | 0.0% | 6.56% |
| 15 | United Built Homes | F | 24 | 1 | 45.8% | 8.99% |
| 16 | Farmers Bank & Trust | C | 24 | 18 | 8.3% | 8.00% |
| 17 | Pennymac Loan Services | C | 23 | 11 | 13.0% | 6.50% |
| 18 | AmeriSave Mortgage | D | 22 | 4 | 59.1% | 7.75% |
| 19 | Bank OZK | C | 22 | 14 | 27.3% | 6.50% |
| 20 | Swbc Mortgage | A | 22 | 22 | 0.0% | 6.50% |
| 21 | Texar Federal Credit Union | – | 19 | 15 | 15.8% | 6.88% |
| 22 | State Bank of De Kalb | B | 18 | 15 | 5.6% | — |
| 23 | Freedom Mortgage | B | 17 | 7 | 5.9% | 5.75% |
| 24 | Newrez | D | 17 | 8 | 17.7% | 6.44% |
| 25 | Broker Solutions | D | 17 | 4 | 17.7% | 7.12% |
Best approval odds in Miller County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Red River Employees Federal Credit Union | 61 | 16.4% |
| 2 | Rocket Mortgage | 59 | 27.1% |
| 3 | Triad Financial Services | 65 | 40.0% |
| 4 | 21st Mortgage | 64 | 62.5% |
What Miller County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Miller County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,143 | 569 | 25.6% | 7.10% | $115,000 |
| 2024 | 1,178 | 603 | 24.2% | 6.99% | $125,000 |
| 2025 | 1,228 | 633 | 21.7% | 6.75% | $135,000 |
Frequently asked questions
21.7% of applications in Miller County were denied in 2025, against 18.2% statewide in Arkansas.
21st Mortgage, with 101 applications in 2025 and a denial rate of 39.6%.
The median mortgage application in Miller County in 2025 was for $135,000; the median property value on originated loans was $215,000.